Richmond, VA · Charter 2653
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Richmond, VA · Charter 2653
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.90% | -1.86% | -1.98% | -1.70% | -1.53% | -1.52% | -4.73% | -5.44% | -374 bps | |
| Return on Equity | -6.34% | -6.34% | -6.46% | -5.64% | -5.32% | -5.05% | -14.63% | -15.19% | -955 bps | |
| Net Interest Margin | 4.55% | 4.68% | 4.93% | 4.41% | 4.37% | 4.88% | 5.79% | 6.65% | +224 bps | |
| Efficiency Ratio | 138.75% | 136.96% | 137.41% | 133.84% | 131.47% | 128.39% | 174.90% | 174.91% | +4,107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.56% | -8.27% | -9.25% | -11.20% | -1.98% | -7.73% | -17.37% | -28.22% | -1,702 bps | |
| Loan Growth (YoY) | -11.53% | -9.03% | -11.27% | -12.81% | 19.66% | 11.84% | 22.70% | 25.26% | +3,807 bps | |
| Share Growth (YoY) | -12.26% | -8.49% | -10.19% | -13.32% | -5.45% | -8.87% | -19.43% | -34.19% | -2,088 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.82% | 2.74% | 0.87% | 0.00% | 1.29% | 1.09% | 0.30% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.81% | 6.75% | 7.43% | 8.07% | 6.20% | 5.60% | 5.80% | 6.07% | -200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.90% | 29.37% | 30.63% | 30.14% | 28.80% | 30.18% | 32.34% | 35.79% | +565 bps | |
| Net Worth / Assets | 29.90% | 29.37% | 30.63% | 30.14% | 28.80% | 30.18% | 32.34% | 35.79% | +565 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.11% | 64.96% | 63.91% | 59.17% | 81.14% | 79.72% | 97.33% | 112.63% | +5,346 bps | |
| Liquid Assets / Assets | 55.12% | 54.16% | 56.14% | 59.52% | 46.67% | 44.97% | 35.58% | 29.42% | -3,009 bps | |